The MI CARD cash advance feature is a convenient service that allows you to easily withdraw cash from ATMs at convenience stores nationwide when you need funds for unexpected expenses. However, there are important points to be aware of beforehand, as it significantly differs from other credit cards; for instance, it does not support any early repayments at convenience store ATMs. This article provides a detailed explanation of how to use the cash advance feature with your MI CARD, including fees, operating hours, and procedures for major convenience store ATMs (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers correct repayment methods, interest, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for MI CARD Cash Advance
- [By Convenience Store] MI CARD Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your MI CARD Cash Advance: Convenience Store ATM Compatibility
- Important Information and Cautions for Using MI CARD at Convenience Store ATMs
- Q&A on MI CARD Cash Advance at Convenience Store ATMs
- Q1. If I use a cash advance at a convenience store ATM, how will it appear on the Web MI CARD Member Service and my statement?
- Q2. When and how will I be charged the ATM fee?
- Q3. What are the closing date and payment date (debit date) for cash advances?
- Q4. Why can’t I make early repayments at convenience store ATMs?
- Q5. Can I use MI CARD Plus or Gold Card in the same way?
- Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
- Q7. Is the cash advance amount eligible for earning MI Points?
- Q8. Can I apply for the cash advance service later?
A Comprehensive Guide to Convenience Store ATMs for MI CARD Cash Advance
If you have a cash advance credit limit set on your MI CARD in advance, you can immediately start using the cash advance service (borrowing) at a nearby convenience store ATM. First, let’s review which ATMs at which convenience stores are compatible.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
MI CARD (Visa, American Express) can be used for cash advance services at the following major convenience store ATMs across Japan.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
- Ministop: AEON Bank ATM
MI CARD Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support MI CARD cash advance (borrowing). However, repayment (deposits) at convenience store ATMs is not supported at all. You will need your physical MI CARD and the 4-digit PIN you have set to use the cash advance service.
Using Cash Advance at Overseas Convenience Store ATMs (Visa/AMEX Compatibility)
MI CARD can also be used for cash advances abroad. Depending on your card’s international brand, you can use it at ATMs displaying the “PLUS” logo for Visa or the “AMERICAN EXPRESS” logo for American Express. You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] MI CARD Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using MI CARD cash advance at each convenience store ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of MI CARD or each ATM operator for the latest information.
Using MI CARD at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: MI CARD ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, 365 days a year. However, system maintenance may occur during certain times, such as late at night. You cannot use the service during MI CARD’s maintenance hours.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your MI CARD into the ATM.
- Select the “Withdrawal (Borrowing)” button.
- Enter your 4-digit PIN.
- Enter the desired withdrawal amount.
- Confirm the details and receive your cash, card, and transaction receipt.
Using MI CARD at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: MI CARD | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day but have regular maintenance times. The service is unavailable if it overlaps with MI CARD’s maintenance hours.
Cash Advance Operating Procedures at the ATM
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to insert your card, enter your PIN, and specify the amount.
Using MI CARD at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: MI CARD | E-net ATM Fees & Service Hours | E-net, Inc.
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but may be temporarily unavailable for maintenance late at night or in the early morning. The service is also unavailable during MI CARD’s maintenance hours.
Cash Advance Operating Procedures at the ATM
The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.
Using MI CARD at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Borrowing and Repayment | MI CARD, the credit card from the Mitsukoshi Isetan Group
ATM Availability and Maintenance Information
AEON Bank ATMs operate for long hours, but there may be times when they are unavailable due to the store’s business hours or system maintenance.
Cash Advance Operating Procedures at the ATM
The procedure is the same as for other ATMs. Follow the on-screen prompts to insert your card, enter your PIN, and enter the amount.
Guide to Repaying Your MI CARD Cash Advance: Convenience Store ATM Compatibility
Important: Early Repayment for Cash Advance Is Not Supported at Convenience Store ATMs
The most important point about MI CARD cash advance repayment is that early repayment (deposit) at a convenience store ATM is not supported at all. While you can borrow cash, you cannot repay it at these ATMs. If you wish to repay before the scheduled payment date, a different procedure is required.
Basic Repayment Method: Automatic Debit from Registered Bank Account
Cash advance repayments are automatically debited from your pre-registered bank account on the 26th of each month (or the next business day if it’s a bank holiday). This is billed together with your shopping charges.
Early Repayment Method: Bank Transfer (Requires Prior Contact)
The only way to repay your cash advance before the scheduled payment date and save on interest is via bank transfer. This procedure requires you to contact MI CARD by phone in advance.
Early Repayment Application Procedure (Phone Contact)
Call the call center listed on the back of your card and state that you wish to make an early repayment for your cash advance. The operator will provide you with the total repayment amount, including interest calculated up to your desired repayment date, and the bank account details for the transfer.
Confirming Bank Account and Important Notes for Transfer
Transfer the specified amount to the designated bank account. You are responsible for any bank transfer fees. The transfer must be made in the name of the cardmember.
Timing for Credit Line Restoration After Repayment
It may take several business days for the repaid information to be reflected in your available credit line. Be aware that your limit will not be restored immediately if you plan to use the service again soon.
Source: Borrowing and Repayment | MI CARD, the credit card from the Mitsukoshi Isetan Group
Important Information and Cautions for Using MI CARD at Convenience Store ATMs
Checking Your Cash Advance Limit and Applying for an Increase
To use the cash advance service, a “cash advance credit limit” must be set in advance. You can check your current limit on the “Web MI CARD Member Service” or the “MI CARD App.” If your limit is ¥0, you cannot use the service. You can also apply for a credit limit increase through the web member service, but this is subject to a prescribed screening process.
Per-Transaction and Daily ATM Withdrawal Limits
In addition to your own cash advance limit, each ATM you use has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥200,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.
Cash Advance Interest Rate (Annual Percentage Rate) and How to Calculate Interest
The cash advance interest rate for MI CARD is set at 17.95% APR. Interest is calculated on a daily basis using the following formula:
Interest = Amount Borrowed × Annual Percentage Rate ÷ 365 days × Number of Days Used
The number of days used is the period from the day after the borrowing date to the payment date (or early repayment date).
How to Inquire/Reset Your PIN If You Forget It
A 4-digit PIN is required to use the cash advance service. If you forget it, you can request an inquiry through “Web MI CARD Member Service” or by phone. After the procedure, a document containing your PIN will be mailed to your registered address. For security reasons, your PIN cannot be given to you directly on the spot.
Possible Reasons and Solutions If You Cannot Use Cash Advance
If you are unable to use cash advance at an ATM, the following reasons are possible:
・The cash advance credit limit has not been set or has been exceeded.
・Your card is locked due to entering the wrong PIN multiple times.
・The card’s magnetic stripe is faulty or the IC chip is damaged.
・It is during system maintenance hours for the ATM or MI CARD.
・Your card payments are overdue.
First, check your usage status on the Web MI CARD Member Service. If the issue is not resolved, please contact the call center listed on the back of your card.
Source: Customer Support | MI CARD, the credit card from the Mitsukoshi Isetan Group
Q&A on MI CARD Cash Advance at Convenience Store ATMs
Q1. If I use a cash advance at a convenience store ATM, how will it appear on the Web MI CARD Member Service and my statement?
A1. On the Web MI CARD Member Service and your statement, it will be listed under a description like “CD (Cash Advance)” and will show the date of use, amount, and the name of the financial institution operating the ATM (e.g., Seven Bank).
Q2. When and how will I be charged the ATM fee?
A2. The ATM fee will be debited from your account along with the cash advance amount on your first payment date following the transaction.
Q3. What are the closing date and payment date (debit date) for cash advances?
A3. The closing date is the 5th of each month, and the payment date (debit date) is the 26th of the same month (or the next business day if it’s a bank holiday). For example, amounts used by June 5th will be debited on June 26th.
Q4. Why can’t I make early repayments at convenience store ATMs?
A4. This is due to MI CARD’s system and operational specifications. Therefore, if you wish to make an early repayment, you must complete the procedure by contacting them by phone in advance and making a bank transfer.
Q5. Can I use MI CARD Plus or Gold Card in the same way?
A5. Yes, all MI CARDs, including MI CARD Plus and MI CARD Plus Gold, can be used in the same way with the same procedures and fees described in this article, as long as a cash advance limit is set. The inability to make repayments at convenience store ATMs also applies to these cards.
Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
A6. As a rule, fees do not change on public holidays. However, operating hours may be altered due to special system maintenance during periods like the New Year’s or Golden Week holidays. It is recommended to check the official MI CARD website for announcements before use.
Q7. Is the cash advance amount eligible for earning MI Points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning MI Points.
Q8. Can I apply for the cash advance service later?
A8. Yes, you can. You can apply to set (add) a cash advance limit from the “Web MI CARD Member Service.” After you apply, a prescribed screening process will be conducted.
Last Updated: June 29, 2025